Esinye sezikhathi ezibalulekile kubo bonke abatshalizimali yileso lapho kufanele akhethe ukuphepha okuthile ukuze enze imali ayilondolozayo izuze. Kuzoba isikhathi, ngaphandle kokungabaza, nini ukungabaza kuzokhula ngendlela ephawuleka kakhulu ezifisweni zakho, ngisho nokuchitha amahora amaningi kule nqubo enzima ukukhetha ukuphepha ezimakethe zezimali. Akumangalisi ukuthi kuningi okusengcupheni, ngisho nethuba lokulahlekelwa yingxenye yefa lakho. Ngakho-ke, akufanele usibukele phansi lesi sinyathelo ozosithatha ukuze uthathe izikhundla ezimakethe.
Yingakho kufanele yenziwe njengenkathi yokucabanga nokuhlaziya ezophela lapho kulondolozwe khona. Ngokuqiniseka konke ukuthi uzoba nesiphakamiso esingaphezu kwesisodwa ekamelweni, futhi awazi nakanjani ukuthi ikuphi okufanele ukhethe. Kufanele uthathe isikhathi ukwenza lo msebenzi okhandlayo, kepha-ke, ngaphandle kokuqeda inqubo. Akumangalisi ukuthi ukube bekunjalo, izintshisekelo zakho njengomtshalizimali omncane zingalimala, uze ufike sekwedlule isikhathi ekusebenzeni ezimakethe zezezimali. Noma ngamanani entengo amabi wokuthenga.
Inhloso yakho enkulu kuzoba uzibekele imigomo emincane, ukwenza isu ngokuya kwalokhu izimo ozoyiphoqa. Hhayi kuphela maqondana nembuyiselo engaba khona ekutshalweni kwemali, kepha futhi ixhunyaniswe nezindawo zokuhlala unomphela, ukuvikelwa kweminikelo noma ubungozi bokuthenga, phakathi kwezinye izinto. Uma uhlangabezana nalezi zidingo, ngokuqinisekile usuqalile utshalomali lwakho ngamathemba amahle ekuguqukeni kwalo ezimakethe zezezimali.
Yiziphi izindinganiso okufanele uzikhethe?
Umsebenzi wokuqala ngeke kube omunye ngaphandle ukwakha iphothifoliyo yokutshala imali ifanele ngokuphelele iphrofayili oyivezayo njengomtshalizimali omncane noma ophakathi: onolaka, ozivikelayo noma ophakathi. Ngokuya ngalezi zindlela, eyodwa noma enye kuzoba izinkampani ezikhethiwe. Futhi-ke ngaphansi kwamasu ahlukene wokwenza isiphakamiso sakho.
Njengomphumela wale modeli yokuzikhethela, uma uzokwakha iphothifoliyo yokutshala imali eqotho, ngeke ukwazi ukufaka ukuphepha okuvela emkhakheni wezobuchwepheshe, emigqeni yebhizinisi esanda kudalwa, nokunye okucatshangelwayo. Kunoma ikuphi, ongakucabanga ukunikeza utshalomali ubungozi obukhulu ngokuya ngokulindela ofuna ukukudala. Futhi-ke, uzoba nokuningi futhi bona iminikelo yemali onayo ngaleso sikhathi ukutshala imali kumasheya.
Kungcono impela ukuthi ukhethe izinkampani ezinamanzi kakhulu, nokuthi bahambisa iziqu ezingapheli kuzo zonke izikhathi zemakethe yamasheya. Kungaleso sikhathi kuphela lapho uzokwazi ukungena uphinde uphume ezimakethe ngamandla amakhulu, futhi ungabambeki ngenxa yokuthengwa okubi. Akumangalisi ukuthi kuzoba lula kuwe ukuthi ubambe imali oyitshalile isikhathi eside, mhlawumbe izinyanga noma iminyaka eyeqile lapho ungeke uphinde uhlaziyeke.
Ngalezi zihlungi ezibalulekile uzobe usulahlile amanani amaningi, futhi unezinkampani ezahlukahlukene ezisengozini yesinqumo sakho sokuthenga esilandelayo. Impela usuthengile isikhathi kuyo yonke le nqubo eyinkimbinkimbi yokuphoqelela abakhethiweyo ukuthi bangene ezimakethe zezimali.
Yimiphi imingcele okufanele uyibuke?
Isikhathi esinqumayo kunazo zonke sokungena emakethe yamasheya sifika, lapho kufanele uhlole ezinye zezici ezibaluleke kakhulu zezinkampani ezibalwe. Kodwa ziyini? Ungakhathazeki ngoba sizokunikeza okhiye abanqume kakhulu lapho ukhetha amanani akho owathandayo. Zihlukahlukene futhi zinemvelo ehlukahlukene, njengoba uzobona kusukela manje kuqhubeke.
Izihloko okuxoxiswene ngazo: lapho besebenza kakhudlwana kwisilinganiso sabo, kuzoba ngcono ngezintshisekelo zakho, ngoba kufanele uzame ukuthola labo abaqashwe kakhulu. Bazonikeza ukuphepha kuphothifoliyo eseyenziwe ngomumo, kepha futhi ukuthi uzokugwema ukuthi bangasetshenziswa yizandla ezinamandla zemakethe, njengoba ubona kwezinye izinkampani ezincane zokwenza imali ukuthi ngezihloko ezimbalwa kakhulu amanani abo angaphakama , ngandlela thile.
Lawa masheya ngokuvamile angaphansi kweqembu ngokuvamile eyaziwa ngokuthi yi-chicharros. Bangakwenza ucebe ngezikhathi ezimbalwa zokuhweba, kepha ngenxa yezizathu ezifanayo, bakushiye ungenayo ingxenye ebaluleke kakhulu yengcebo yakho. Ziyizenzo ezinzima kakhulu ukusingatha ukuthatha izikhundla, ukuthi abatshalizimali abanolwazi kakhulu kuphela abazi ukuthi babaphathe kanjani ukufeza izinhloso zabo.
Ekuphakameni kwayo: ngaphandle kokungabaza kufanele ukhethe amanani athuthukisa amanani abalulekile we-bullish ngentengo yawo. Kuzoba uphawu olucacile lokuphepha okuphelele ukufeza izinhloso ezifunwayo kusukela ekuqaleni. Hhayi ize, kuzoba ukulindela ukukhuphuka okukhulu kumaseshini alandelayo okuhweba. Ngaphezu kwakho konke, isiqinisekiso sokuvala ukusebenza ngokusebenza okuphezulu okungenzeka.
Ungaphuthelwa yilezi zimo ezinhle kumasheya ukusetha iphothifoliyo yakho. Ngokuqinisekile ngeke wehluleke kuziphakamiso ozenzayo usebenzisa leli thuba elihle kakhulu. Futhi uma bengena lokho kwaziwa njengokukhuphuka kwamahhala, kungcono kakhulu, ngoba ngeke kube khona ukumelana endleleni. Futhi inzuzo etholakalayo ingase ibe ngaphezulu, ize ifike emazingeni anelisa kakhulu izintshisekelo zakho njengomtshali-zimali omncane.
Ngezinsimbi eziphukile: lapho intengo yezibambiso idlula la mazinga abalulekile, kuzoba ithuba elihle lokuthatha izikhundla ezimakethe. Kuzoba, futhi futhi, ukulindeleka kokunye ukukhuphuka kwentengo yayo, ngaphandle kokungabaza. Futhi ukuthi njengecebo lokutshala imali ungayigcina ize ifinyelele ekuphikiseni okulandelayo. Lapho kungaba khona ithuba lokuhlehlisa izikhundla futhi ujabulele inzuzo.
Ngakolunye uhlangothi, kuyinto elula kakhulu ukuyithola, nokuthi ungayibuka kumagrafu ezinkampani ezibalwe. Imvamisa uthola ukuthi zitholakale kwimidiya ekhethekile, futhi ikakhulukazi kwezidijithali ezinikezelwe emakethe yamasheya, namasu okutshala imali. Ngaphezu kwalokho, awudingi kuqeqeshwa ukuze ukuqonde, ingasaphathwa eyokuya ezifundweni ezikhangiswa ngokujwayelekile ukuze ufunde ukutshala imali ngempumelelo.
Amazinga we-Oversold: lapho amasheya enkampani afinyelela kulesi simo, kukhombisa ukuthi inqubo eyehlayo isizophela, futhi enokuthambekela kokuthuthukisa umkhuba obheke phezulu ezinsukwini ezizayo. Hhayi ngeze, izozama ukuhlenga amanani ayo ekunikezelweni nasekufunweni kwayo, njengokujwayelekile. Futhi ngenxa yalokhu, uzobe usesimweni esihle kakhulu ukusizakala ngezigaba ezingaphezulu ezethulwe izinkampani ezikulesi simo sobuchwepheshe.
Kufanele uqonde ukuthi uma kunamazinga aphezulu kakhulu we-oversold kuzobe kukhombisa lokho ukuthengisa kucacisa ngokusobala ukuthengwa. Ngenxa yezimo eziningi, kusuka ekuphatheni okungafanele kwenkampani, kuye kwisici esibi sobuchwepheshe ngentengo yayo, phakathi kwamanye amathuba azokhiqiza lokhu kuhamba. Abatshalizimali abaningi, ikakhulukazi abanolwazi oluningi, babheka kulokhu kuguquguquka ukuze bathathe izikhundla ezimakethe zezimali. Futhi ezimweni eziningi, ngempumelelo engangabazeki ekusebenzeni.
Isikweletu sezinkampani: uma lokhu kuyisimo sangempela senkampani esohlwini okuyiyona nto oyinakayo, kungcono ulahle le nketho. Yizinkampani ezikweletwa kakhulu ezijwayele kakhulu ukuthuthukisa ukunyakaza okuya phansi. Uma ufuna ukwenza ngokuvikelwa okukhulu kwezintshisekelo zakho zokutshala imali, ngeke ube nenye indlela ngaphandle kokubhalisela amasheya emaqenjini anamandla ebhizinisi, futhi izinga likweleti lalo aliphezulu kakhulu. Kuzoba yindlela ephephe kunazo zonke yokungenzi amaphutha, noma okungenani, hhayi njalo.
Zonke izinkampani ezibhalwe ohlwini Baphoqelekile ukwethula imiphumela yabo yebhizinisi kwiKhomishini Kazwelonke Yemakethe Yezokuphepha (CNMV), futhi imininingwane kabani isesidlangalaleni futhi esobala. Kuzoba yisethenjwa sokubaluleka okungangabazeki ukuqondisa kahle utshalomali lwakho, futhi ukhethe ukuphepha okunempilo emakethe yezimali. Akumangalisi ukuthi uma abatshalizimali abakhulu bethanda kakhulu izibalo zabo, bavame ukuhlangabezana nentuthuko ephawulekayo kwikhotheshini yabo yamanani. Ngokuqina okungahlala izinsuku ezimbalwa, noma amasonto.
Amathiphu aphezulu wokuthatha izikhundla
Impela enye yezindlela okufanele utshale ngayo imali oyongele ngokufunda kokuhlangenwe nakho okubi kwesikhathi esedlule. Ngaphandle kokungabaza, kepha futhi nokusebenzisa umugqa wesenzo onamandla kakhulu ekusebenzeni kwakho. Ngesiyalo, nobulukhuni obuthile lapho uziqedela. Futhi lokho ngokuyisisekelo kungavela kuzincomo ezilandelayo esikuvezela zona kulo msebenzi.
- Ungalokothi ugijimele lapho uthatha isinqumo sokungena ezimakethe zezimali. Kungcono ukuthi ulinde izinsuku ezimbalwa, kepha ukwenze unolwazi, futhi wazi ngaso sonke isikhathi ukuthi uthengani.
- Sebenzisa konke amasiginali anikezwe amashadi ukwenza ngokusemthethweni umsebenzi wokuthenga onenhloso, futhi ngokulindela okukhulu ukuvuselela inani. Kuningi okuzokhiqizwa kusuka kwisici saso sobuchwepheshe, futhi awukwazi ukukuchitha nganoma iyiphi indlela.
- Ama-oda wakho wokuthenga kufanele enziwe ngokuphepha lokho thuthukisa isiteshi se-bullish esingenasici, futhi ungalokothi wenze izinqubo ezingezansi. Kungumthetho wokuqala womtshali zimali omuhle, azowusebenzisa ngokuqinile ukuze athathe izikhundla ezimakethe zamasheya.
- Kufanele uzuze ezimweni ezinhle okunikezwa izimakethe zezezimali, futhi kuyaqabukela kudumazeka kulokho abakulindele. Kokubili ngamagama amafushane futhi amade, nangaphansi kwanoma yiluphi uhlobo lwecebo lokutshala imali.
- Landela indlela yezandla eziqinile zemakethe, ngoba bazokunikeza okhiye bokukhetha ukuvikeleka okunenzuzo kunanoma iyiphi imakethe yamasheya, noma ngabe kuzwelonke noma ngaphandle kwemingcele yethu.
- Ekugcineni, izama ukuphindaphinda izikhundla zokutshalwa kwezimali ezenziwe ngabaphathi abathile. Ngokuqinisekile bazokunikeza inkomba engaphezu kweyodwa ukuthuthukisa ukuthenga kwakho.